Privacy and Terms & Conditions

Privacy and Terms & Conditions

Website
Before using this site, you should read the following important information relating to it. This information governs your use of this site and, by using it, you agree to be bound by our terms. If you do not agree please exit this website immediately. The contents of this website, including these terms, are subject to change by us without notice.

The products and services are not offered to any person or entity in any jurisdiction where the advertisement, offer or sale of such products and services is restricted or prohibited by law or regulation or where any MFS office would be subjected to any registration or licensing requirement.

This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. In addition to this Important Information page, you will be referred on certain site pages to read “Important Information”. These will contain important product details and relevant legal or regulatory information and must be read together with the relevant site pages.
All references on this website to MFS are to Market Financial Solutions Limited unless stated to the contrary.

We are not affiliated with, associated with, or endorsed by Massachusetts Financial Services.

Governing Law
This website shall be governed by and construed in accordance with English law and is subject to the exclusive jurisdiction of the English courts. The information, products and services referred to on this website are not directed at any person or entity in any jurisdiction or country outside those where services may lawfully be offered by MFS and purchased by a visitor to this website.

No Liability
The information on this website is provided “as is” and has been compiled in good faith to provide information about MFS and its products and services. It is believed to be correct, but we cannot guarantee the accuracy, timeliness, or completeness of any such information. MFS shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on this website.
Before acting on any information obtained from this website you should check it by calling MFS office.

Nothing contained on this website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

MFS reserve the right to modify, suspend, or discontinue this website or any part of it, with or without notice, at any time, and shall not be liable to you or to any third party for any such modification, suspension or discontinuance of this website.

MFS shall not be liable for any losses or damages of any kind arising out of your use or inability to use this website, or in connection with any error, omission, or defect contained on this website. Furthermore, MFS accepts no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Access to and use of this website is at your sole risk and MFS does not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

There is no exclusion of duties or liabilities under the Financial Services and Markets Act 2000, or any conduct of business rules which MFS are bound to comply with. There is no attempt to exclude liability for death, personal injury, or fraudulent misrepresentation.

No Offer
Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.

3rd Party Links
This website contains hypertext links to other websites which are hosted and maintained by third parties and which are not, or may not be, regulated by the Financial Conduct Authority. When you activate any of these links you leave the MFS website and we have no control over the content or security of any such site. You use such links entirely at your own risk and MFS accept no responsibility or liability for the content, use, or availability of such websites or for any loss or damage, however arising, as a result of their use.

Value the personal information entrusted to us and make sure we respect that trust;
2. Go further than just the letter of the law when it comes to handling personal information, and adopt good practice standards;
3. Consider and address the privacy risks first when we are planning to use or hold personal information in new ways, such as when introducing new systems;
4. Be open with individuals about how we use their information and who we give to;
5. Make it easy for individuals to access and correct their personal information;
6. Keep personal information to the minimum necessary and delete it when we no longer need it;
7. Have effective safeguards in place to make sure personal information is kept securely and does not fall into the wrong hands;
8. Provide training to staff who handle personal information and treat it as a disciplinary matter if they misuse or don’t look after personal information properly;
9. Put appropriate financial and human resources into looking after personal information to make sure we can live up to our promises; and
10.Regularly check that we are living up to our promises and report on how we are doing.

Home Loans
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

Risk Warnings
Past performance is not necessarily a guide to future performance.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.

Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.
Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances.

In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial advice, which we would be pleased to provide upon request.

US Residents
Investment services for residents of the USA can be provided. Please speak to your consultant for more information.

Copyright
You may use information on this site for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced, stored, distributed, or transmitted to any other person or incorporated in any way into another document or other material unless you first get our written permission.

Internet Monitoring
To maintain the security of its systems, protect its staff and detect fraud and other crimes, MFS reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Group’s internal policies. MFS also reserves the right not to deliver any communication that breaches its internal policies.

Call Monitoring
Calls may be recorded.

Privacy Policy
MFS Limited are committed to ensuring that your privacy is protected. The Privacy Policy Statement explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.

Privacy Statement

This privacy statement describes the use MFS makes of information relating to users of this site. References to “you” or “your” means the user of this website. This privacy statement forms part of the company’s website terms and conditions.

This privacy statement relates to information which identifies particular individual users. Additional terms and conditions regarding the collection and use of information may also be provided to customers of MFS.

What information is collected?
The company collects information relating to website users in various ways including directly from the user and by using technical means such as cookies.
User-supplied information: when you register with us, the company may ask you for your name, e-mail address, and other similar information. Any information supplied by the user is supplied voluntarily unless otherwise stated. If you do not want us to hold information about you, please do not supply it to us.
Other information (cookies): information is also gathered electronically using technical means. For example, when a user visits the site, information is gathered identifying the user’s internet protocol (ip) address and the time of the visit.
In order to help you access and use the site as efficiently as possible, the company may use cookies to store and record your use of the site. Cookies are technical files that are sent to your browser and stored on your computer. Use of cookies is standard in many web sites. Most browsers are initially set up to accept cookies. You can reset your browser settings either to notify you when you receive a cookie, or to refuse to accept cookies. You should understand that certain areas of the site may not function properly if you set your browser to not accept cookies or if you reject a cookie.

How and when information is used?
The company and its affiliates may use information described in different ways, for example:
To market to users and/or permit third parties to do so (unless the user has objected to this) – such marketing may be via post, email, sms, telephone and other electronic means. Please contact the contact address below if you do not wish to receive marketing materials.

To provide services that users have requested;
For system administration and to monitor website use; and otherwise as reasonably required to operate our business or as required by law.

How the company protects user information
The company endeavours to protect users’ information in accordance with applicable law, but the company cannot ensure the security of any information a user transmits to the company. Users transmit such information at their own risk.

Who has access to the information?
The company may disclose personal information for the above purposes. The company will share user information with its affiliates and third parties business parties and service suppliers for the above purposes. This will involve transferring user information worldwide, including to countries without data protection laws.

How to correct inaccuracies?
Users can request access to or correction of information held by the company relating to them by contacting the company at the following email address: info@mfsuk.com

The Financial Ombudsman Service – http://financial-ombudsman.org.uk/contact/ provides a scheme for solving disputes in the mortgage industry where it cannot be solved in-house. We do not subscribe to this scheme and so this will not be available to you.